Perhaps a more important consideration: if you need credit to buy the pin today, what happens if you're in further financial difficulties later? At least in my field, a harmed credit score would be pretty bad - not just for borrowing purposes but even for job position.

Where I work, financial troubles as documented by a credit report makes one too risky to hire for "privileged" access. We deal with user's private data. We don't want their data compromised "for hire"; we don't want our security compromised "for hire" either. And people with financial issues.. are more easily influenced.

Some employers simply look at the credit report as one measure of "stability".

For fun, web search "credit score job search".